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Colarion

@colarion

Investment advisor focused on the financial sector. Posts are not advice. Personal bank writings: https://xitter.gq/t.co/7DjuSIUNUR

colarionpartners.com
Joined November 2019
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Avidia $AVBC was able to buy back shares for 2 months of 3Q and in that time they retired 5% of the float. Thats what a motivated management team looks like.
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TLDR - they wanted to hire a descendent of the founder, so found an airline pilot who will continue to be an airline pilot in addition to CEO
Colarion (@colarion) profile pictureColarion@colarionOct 22
Baker Boyer $BBBK is an interesting bank with great funding, great fee income, and a margin expansion opportunity. But there are questions on decision making. Now let's check on management. Hmm.
Image from Colarion (@colarion)
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Baker Boyer $BBBK is an interesting bank with great funding, great fee income, and a margin expansion opportunity. But there are questions on decision making. Now let's check on management. Hmm.
Image from Colarion (@colarion)
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Pathward’s 3Q report this afternoon… the path to one share outstanding
Image from Colarion (@colarion)
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Bayfirst $BAFN is back below the likely Russell cutoff. From $4 to $9 back to $5 for now.
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Peter points out that $BAFN is held up by ETFs, until recent deal participants register their shares… seekingalpha.com/article/495…
The Bear Case For BayFirst Financial: A $7 Stock Facing A $3.50 Offering (NASDAQ:BAFN) | Seeking...

The Bear Case For BayFirst Financial: A $7 Stock Facing A $3.50 Offering (NASDAQ:BAFN) | Seeking...

BayFirst Financial Corp. is significantly overvalued at $7, with fundamentals undermined by deep losses. See why I rate BAFN stock a Strong Sell.

seekingalpha.com
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Thanks for the memories, $CBNK. Pro tip - Invest in whatever CEO Ed Barry does next
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Valley Bank $VLY is buying a fintech called Bluevine that innovates to assist small businesses with banking. Bluevine has 180 developers. Valley can either scale Bluevine, or act like a bank and scatter the people and waste the tech. Which do we think will happen?
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September: The “Most Interesting Bank in the World” is solving its problems (link below, with the free portion discussing PNFP and CCB; beyond that NTB, FMBL, UBAB and QNBC). happy reading!
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fivepoint.substack.com/p/sep…
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Cashmere $CSHX board owns 2% of the stock with brad now pushing sale. As Gordon Ghekko told the Teldar annual meeting: “the Carnegies, the Mellons, they made sure of it because it was their money at stake. Today management has no stake in the company!” bankingdive.com/news/cashmer…
Embattled bank names next CEO after investor challenge

Embattled bank names next CEO after investor challenge

Cashmere Valley Bank tapped a Nicolet executive to take the reins. But the investor who publicly pressured the Washington state-based lender said he's still pursuing changes at the board level.

bankingdive.com
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At most banks, operating expenses are about 3% of assets. At Varo Bank it is 66%. So Varo Bank is stuck in a cycle of bleeding out between recapitalizations. Very consistent income statement however - losses are almost always $20-$25mln / qtr
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Today Fed gave $SOUB a consent order that prohibits paying sub debt and demands capital. So $BAFN and $SOUB are now taken care of. $MNMB issue is that the CEO is desperate to acquire.
Colarion (@colarion) profile pictureColarion@colarionMay 5
Not advice but $SOUB $BAFN and $MNMB are three bank stocks where I believe the bidside is ignoring important and sobering information.
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There has been a strong buyer of Blue Ridge Bancshares $BRBS in the market, recently driving shares from $3.20 to $3.70 despite an awful 2Q. This morning shares are halted, likely due to sale. An increasingly typical event in the sector.
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CEO Sprink buys 10k $CCB Director Hovde buys 15k $CCB This is a signal we had been waiting for that the loans they charged off may not be rubbish, and the issue was conservative accounting.
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Chairman Adams buys…290 shares A flaccid effort compared to Sprink.
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Language from the First Guaranty $FGBI consent order “The Bank is restricted from extending additional credit to borrowers whose credit remains uncollected and was charged off or classified “loss” by the FDIC or OFI in the 2025 Exam”
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TLDR don’t buy shares of $FGBI
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They are getting close to where they need to be on SBA reserves!
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Colarion (@colarion) profile pictureColarion@colarionAug 3
Bafn raised $80mln so they could lose $32mln of it at bank level out of the gate in 2Q.
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Bafn raised $80mln so they could lose $32mln of it at bank level out of the gate in 2Q.
Colarion (@colarion) profile pictureColarion@colarionMay 5
Not advice but $SOUB $BAFN and $MNMB are three bank stocks where I believe the bidside is ignoring important and sobering information.
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